A sample holelistic financial plan addressing to evaluate various strategies for building wealth.

1. Personal Financial Analysis
September 18, 2012
Prepared for: Roger Abbott and Joanne Abbott
Prepared by:
Retirement AnalysisReportr Nt ame: Retire ent Analysis
Team Member 1 Discipline 4
Consultant Full Name with Designation
Consultant Title
Consultant email
Consultant Discipline 1
Consultant Discipline 2
Consultant Discipline 3
Consultant Discipline 4
Team member 1 Full Name With Designation
Team Member 1 Title
Team member 1 Email
Team member 1 Telephone - Primary
Team Member 1 Discipline 1
Team Member 1 Discipline 2
Team Member 1 Discipline 3
Consultant telephone - Primary
Team Member 2 Telephone - Primary
Team member 2 Full Name With Designation
Team Member 2 Title
Team Member 2 Email
Address line 1
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Address line 3
Address line 4
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Consultant Telephone - Toll Free
SAMPLE

2. Table of Contents
Introduction..................................................................................................................................................................4
Retirement....................................................................................................................................................................5
Net Worth...................................................................................................................................................................10
Current Financial Position.........................................................................................................................................12
Cash Flow.................................................................................................. ................................................................ 13
Action Plan................................................................................................................................................................ 15
Conclusion................................................................................................................................................................. 17
Disclaimer..................................................................................................................................................................18

3. Introduction
Dear Roger & Joanne,
This report is intended to provide you with a better understanding of your current financial position and whether
you are on track to meet your financial life goals.
Many people find that managing their finances to achieve their goals is a challenge. Many families are too busy
dealing with day-to-day issues to think about next year, let alone retirement or other financial goals, which may be
many years into the future. Together, we can face these challenges and put you on the path to reaching your goals.
Every goal requires planning and adjustments along the way – just think of the planning that goes into a simple
short-term goal like taking a vacation. Planning for your financial future is no different.
By setting financial goals, developing strategies and monitoring progress on a regular basis, the likelihood of
achieving your desired results is greatly increased.
Thank you for giving me the opportunity to provide this report. Please review the information within and contact
me at any time if you have any questions.
Regards,
Page 4 of 18
Consultant Full Name with Designation

4. Retirement Overview – Current
Re t i r e me n t
Objectives
Your retirement goals are for Roger to retire in the year 2030 at age 65 and for Joanne to retire in the year 2032 at
age 65. Your desired base retirement income is $102,000* starting in the year 2030.
You have both described your dream of touring the United States and Canada on new motorcycles, and that you
would prefer to do this while you are younger and better able to handle life on the road. Again and again, you have
stressed that it is more important to you to retire early than to have extra income during your later years.
One reason you are not too concerned about your retirement is that you feel you could easily sell your home and
invest the proceeds, while living in your cottage year round. Winterizing your cottage would only require a small
portion of the proceeds from the sale of your home.
You want to be able to afford a comfortable retirement. You would like to travel and make purchases without
worrying about a budget.
You are prepared to sacrifice retirement income in order to retire earlier. Leaving your job sooner is more
important to you than accumulating retirement assets.
You would like to learn how to protect your purchasing power from inflation throughout your retirement.
You would like to avoid having your Old Age Security payments 'clawed back' because your retirement income is
too high.
*In today’s dollars – after tax. Retirement income reflects the first year of retirement and may change.
Needs vs. Abilities
Retirement Needs includes most expenses that occur during retirement. Other Needs may include liability
payments, insurance premiums and savings.
2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 2052 2054 2056
$0K
$50K
$100K
$150K
$200K
$250K
$300K
$350K
$400K
Retirement Needs
Other Needs
Ability to Cover Needs
Shortfall
Surplus
After-Tax Cash Inflow
Analysis
Our analysis indicates that your savings strategies and retirement resources could provide you with the ability to
cover approximately 91% of your expenses in retirement or $92,820* in the year 2030.
Another alternative to reach your retirement income goal of $102,000* is to delay Roger's retirement until 2033
when Roger is 68 and to 2035 when Joanne is 68. You can also phase into retirement more gradually.
Note that these projections indicate your debts are expected to be paid off prior to Roger's retirement in 2030. If
this is not the case, your retirement income will need to support these payments until these liabilities are paid off.
*In today’s dollars – after tax. Retirement income reflects the first year of retirement and may change.
Page 5 of 18

5. Key Assumptions
Roger Joanne
Retirement Age/Year 65/2030 65/2032
Life Expectancy 90/2055 90/2057
Desired Fixed Expenses Covered 100%
Desired Discretionary Expenses Covered 100%
Annual Inflation Rate 3.00%
Investment Objective (ROR) Pre-Retirement Current - Not Rebalanced (6.22%)
Investment Objective (ROR) Retirement Current - Not Rebalanced (6.22%)
Total Monthly Savings
Non-Registered $0
RRSP $250 $250
RRSP Spousal $0 $0
TFSA $0 $0
RPP** $0 $0
DPSP** $0 $0
**Includes employer contributions, if applicable.
Recommendations
You can retire earlier by saving more to your RRSPs and TFSAs. We have looked at retirement at age 63, which
would require additional montly savings of $739 for Roger and $1,020 for Joanne. Changes to the Current plan are
highlighted in bold text on the Key Assumptions table found in the following Retirement Overview -
Recommended.
The Net Worth - Comparison graph and Total Income - Comparison graph on subsequent pages show the
improvements to your net worth and cash flow based on these recommendations.
I have also attached Retirement Income Summary - Current and Retirement Income Summary - Recommended
graphs which show your major sources of retirement income based on your current plan and based on our
recommendations. I can also provide you with this information in the form of reports showing dollar amounts if
you prefer.
The budgeting exercise we undertook shows that you can afford the recommended savings to your RRSPs and
TFSAs, which in turn will allow you to retire when you want to.
However, if you feel the amount of your required savings is unmanageable, we should review your various goals to
find an appropriate solution. You may wish to consider looking at an alternative asset allocation or reducing your
income need in retirement.
Page 6 of 18

6. Retirement Overview – Recommended
Objectives
Your retirement goals are for Roger to retire in the year 2028 at age 63 and for Joanne to retire in the year 2030 at
age 63. Your desired base retirement income is $102,000* starting in the year 2028.
*In today’s dollars – after tax. Retirement income reflects the first year of retirement and may change.
Needs vs. Abilities
Retirement Needs includes most expenses that occur during retirement. Other Needs may include liability
payments, insurance premiums and savings.
2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 2052 2054 2056
$0K
$50K
$100K
$150K
$200K
$250K
$300K
$350K
$400K
Retirement Needs
Other Needs
Ability to Cover Needs
Shortfall
Surplus
After-Tax Cash Inflow
Analysis
Our analysis indicates that your savings strategies and retirement resources could provide you with the ability to
cover approximately 100% of your expenses in retirement or $102,000* in the year 2028. Review this goal on
an annual basis to ensure you stay on track.
Note that these projections indicate your debts are expected to be paid off prior to Roger's retirement in 2028. If
this is not the case, your retirement income will need to support these payments until these liabilities are paid off.
*In today’s dollars – after tax. Retirement income reflects the first year of retirement and may change.
Key Assumptions
Roger Joanne
Retirement Age/Year 63/2028 63/2030
Life Expectancy 90/2055 90/2057
Desired Fixed Expenses Covered 100%
Desired Discretionary Expenses Covered 100%
Annual Inflation Rate 3.00%
Additional Lump-Sum Savings $0
Investment Objective (ROR) Pre-Retirement Current - Not Rebalanced (6.22%)
Investment Objective (ROR) Retirement Current - Not Rebalanced (6.22%)
Total Monthly Savings
Non-Registered $0
RRSP $689 $970
RRSP Spousal $0 $0
TFSA $300 $300
RPP** $0 $0
DPSP** $0 $0
Note: Numbers in bold indicate a change from the current plan.
Note: Information in the table above is for the October 18, 2012 period. Any strategies occurring in the future are not displayed in this table.
**Includes employer contributions, if applicable.
Page 7 of 18

7. Retirement Income Summary Graph – Current
The following graph illustrates a projection of major income categories during your retirement. RPP (DC) refers to
Defined Contribution pension income, if applicable.
2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 2052 2054 2056
$0K
$50K
$100K
$150K
$200K
$250K
$300K
$350K
$400K
$450K
CPP/QPP & OAS
Defined Benefit Pension
TFSA
Non-Registered Income & Capital
RRSP/RRIF/DPSP
LIF/LRIF/RPP (DC)
Other
Page 8 of 18

8. Retirement Income Summary Graph – Recommended
The following graph illustrates a projection of major income categories during your retirement. RPP (DC) refers to
Defined Contribution pension income, if applicable.
2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 2052 2054 2056
$0K
$50K
$100K
$150K
$200K
$250K
$300K
$350K
$400K
$450K
$500K
$550K
CPP/QPP & OAS
Defined Benefit Pension
TFSA
Non-Registered Income & Capital
RRSP/RRIF/DPSP
LIF/LRIF/RPP (DC)
Other
Page 9 of 18

9. Net Worth Overview (Future Dollars) – Current
Ne t Wo r t h
Objectives
Net worth is one benchmark from which you can measure progress toward your financial goals. By carefully
managing your financial resources, you can allocate additional funds towards your investment savings accounts
and build your net worth to be in a better position to achieve your financial life goals.
Analysis
The graph below illustrates a projection of your net worth and lifestyle assets throughout your planning horizon.
The amounts are expressed in future (inflated) dollars. Total Net Worth is determined by taking the total of all
assets less any liabilities. Lifestyle Assets include personal real estate and other personal property.
2012 2015 2018 2021 2024 2027 2030 2033 2036 2039 2042 2045 2048 2051 2054
$0.0M
$0.5M
$1.0M
$1.5M
$2.0M
$2.5M
$3.0M
$3.5M
$4.0M
Total Net Worth Lifestyle Assets
An analysis of your net worth as of September 18, 2012 indicates that:
You currently have a net worth of $1,118,554.
Your current liabilities total $193,579.
Recommendations
A net worth statement is important because it helps check progress towards financial goals, plan for changes in
assets or liabilities, estimate how well dependant survivors would be able to live on their current inheritance, give
an estimate of retirement income potential, and provide a way to chart financial progress over the years. The main
item currently missing from your net worth statement is the 'adjusted cost base' of your cottage, which we need in
order to better estimate future tax liabilities. Please forward this information to my team at your first opportunity.
The Net Worth - Comparison chart on the following page shows the positive effect which your additional
recommended savings could have on your net worth.
Page 10 of 18

10. Net Worth – Comparison (Future Dollars)
The following graph compares your projected net worth between two plan scenarios for each year in the analysis.
The amounts are expressed in future (inflated) dollars as of the end of the year.
2012 2015 2018 2021 2024 2027 2030 2033 2036 2039 2042 2045 2048 2051 2054
$0.0M
$0.5M
$1.0M
$1.5M
$2.0M
$2.5M
$3.0M
$3.5M
$4.0M
$4.5M
Current: Total Net Worth Recommended: Total Net Worth
Page 11 of 18

11. Net Worth Statement
Cu r r e n t F i n a n c i a l P o s i t i o n
This net worth statement provides a detailed breakdown of your financial situation as of September 18, 2012.
Net Worth Statement
As of September 18, 2012
Roger Joanne Joint Total
Non-Registered Assets
Non-Registered Account 152,760 152,760
Total Non-Registered Assets 152,760 152,760
Registered Assets
RRSP Account 236,426 236,426
RRSP Account 311,931 311,931
Total Registered Assets 236,426 311,931 548,357
Lifestyle Assets
Residence 360,600 360,600
Cottage 250,417 250,417
Total Lifestyle Assets 611,017 611,017
Total Assets 236,426 311,931 763,777 1,312,133
Liabilities
Mortgage (183,536) (183,536)
Car Loans (10,044) (10,044)
Total Liabilities (193,579) (193,579)
Total Net Worth 236,426 311,931 570,197 1,118,554
Page 12 of 18

12. Cash Flow Overview – Current
Ca s h F l o w
Objectives
The purpose of cash management is to ensure that you have enough cash and other liquid assets to cover your
expected expenses, to establish an adequate emergency reserve to meet unforeseen expenses, to minimize
unproductive assets and to plan the repayment of your debt.
During our budgeting exercise, you were concerned about the income which you could not account for with your
regular expenses. These might be expenses you don't track such as miscellaneous expenses, gifts or infrequent
repairs. In your current plan, we have shown the gap between your incomes and your known expenses as 'Surplus
Lifestyle Expenses' on the following Itemized Cash Flow Projection - Current.
You want to create an emergency fund which is specifically set aside for large, unexpected expenses. You would
like advice in determining the size of this fund and strategies for its investment.
Analysis
The graph below illustrates a projection of your annual and accumulated cash flow surplus (and/or deficits)
throughout your planning horizon. A surplus exists when cash inflows exceed cash outflows and a deficit exists
when cash outflows exceed cash inflows. Cash inflows include all sources of income including employment and
investment income and return of capital. Cash outflows include lifestyle expenses, debt payments, income taxes,
savings, insurance premiums and all other cash outflows. We have assumed that any accumulated surpluses or
deficit at retirement is eliminated and will not carry forward into retirement.
2012 2015 2018 2021 2024 2027 2030 2033 2036 2039 2042 2045 2048 2051 2054
-$900K
-$700K
-$500K
-$300K
-$100K
$100K
Accumulated Surplus/Deficit Current Surplus/Deficit
An analysis of your cash flow for the year 2012 indicates that:
You are expected to have no annual cash flow surplus or deficit .
$123,535 or 60% of your total income* will be spent on your total expenses**.
$30,000 or 14% of your total income* will be spent on loan and mortgage payments.
$53,965 or 26% of your total income* is an estimate of your income taxes***.
*Total income includes all cash inflows including return of investment capital.
**Total expenses include lifestyle expenses (less liabilities), savings and life insurance premiums.
***Income tax amounts are estimates. Please consult with a professional tax advisor.
Recommendations
Since your income closely matches your expenses, we should review your discretionary expenses and
identify opportunities to improve your cash flow position. These opportunities could include reducing
non-essential expenditures and developing a plan to pay off any high interest debt that you may carry.
Analysis of your cash flow indicates that you could afford the extra savings we are recommending. The
phrase "Pay Yourself First" applies here, in that a portion of the money you direct towards Surplus
Lifestyle Expenses can be used for these additional savings.
Page 13 of 18

13. Itemized Cash Flow Projection – Current
The following report shows your projected sources of income and expenses over 5 years.
2012 2013 2014 2015 2016
Cash Inflows
Employment Inflows
Annual Income (Roger) 82,500 84,975 87,524 90,150 92,854
Annual Income (Joanne) 125,000 128,750 132,613 136,591 140,689
Total Employment Inflows 207,500 213,725 220,137 226,741 233,543
Total Cash Inflows 207,500 213,725 220,137 226,741 233,543
Cash Outflows
Lifestyle Expenses
Entertainment (e.g. restaurants, movies) (Joint) 6,000 6,180 6,365 6,556 6,753
Food (Joint) 9,000 9,270 9,548 9,835 10,130
Housing (e.g. utilities, repairs) (Joint) 12,000 12,360 12,731 13,113 13,506
Other (e.g. child care, travel) (Joint) 24,000 24,720 25,462 26,225 27,012
Personal (e.g. clothing, hobbies) (Joint) 9,000 9,270 9,548 9,835 10,130
Transportation (e.g. gas, insurance) (Joint) 12,000 12,360 12,731 13,113 13,506
European Vacation (Joint) 0 0 0 0 22,510
Surplus Lifestyle Expenses (Roger) 3,372 3,888 6,163 7,938 0
Surplus Lifestyle Expenses (Joanne) 32,510 34,063 37,407 40,310 27,969
Car Loans (Joint) 6,000 6,000 2,511 0 0
Mortgage (Joint) 24,000 24,000 24,000 24,000 24,000
Total Lifestyle Expenses 137,882 142,111 146,466 150,924 155,516
Employment/Business Expenses
CPP/QPP contrib. - employment (Roger) 2,307 2,381 2,458 2,537 2,618
Employment Insurance premiums (Roger) 840 865 891 918 945
CPP/QPP contrib. - employment (Joanne) 2,307 2,381 2,458 2,537 2,618
Employment Insurance premiums (Joanne) 840 865 891 918 945
Total Employment/Business Expenses 6,293 6,493 6,698 6,909 7,127
Registered Contributions
RRSP Account (Roger) 3,000 3,000 3,000 3,000 3,000
RRSP Account (Joanne) 3,000 3,000 3,000 3,000 3,000
Total Registered Contributions 6,000 6,000 6,000 6,000 6,000
Miscellaneous Expenses
Life Insurance (Roger/Term 10 Life) 900 900 900 900 900
Group LTD (Joanne) 1,500 1,500 1,500 1,500 1,500
Life Insurance (Joanne/Term 10 Life) 960 960 960 960 960
Total Miscellaneous Expenses 3,360 3,360 3,360 3,360 3,360
Taxes
Net Federal Tax (Roger) 12,241 12,627 13,025 13,435 13,857
Net Provincial Tax (Roger) 8,841 9,234 9,639 10,085 10,543
Net Federal Tax (Joanne) 22,726 23,430 24,156 24,903 25,673
Net Provincial Tax (Joanne) 10,157 10,470 10,793 11,125 11,467
Total Taxes 53,965 55,761 57,613 59,547 61,540
Total Cash Outflows 207,500 213,725 220,137 226,741 233,543
Current Surplus/(Deficit) 0 0 0 0 0
Previous Surplus/(Deficit) 0 0 0 0 0
Ending Surplus/(Deficit) 0 0 0 0 0
Page 14 of 18

14. Action Plan
Ac t i o n P l a n
Personalized Action Items
Net Worth
Calculate the adjusted cost base for your cottage by adding the cost of all capital improvements to the purchase
price, and check with your accountant regarding your use of the $100,000 capital gains exemption in 1994.
Cash Flow
Focus on reducing the high interest rate debt that you are carrying. You indicated you would be willing to apply
the proceeds of the sale of your '78 T-Bird against the car loan for the Jetta. We will incorporate the result of that
strategy into this financial plan after you determine the sale price of the T-Bird.
Retirement
Based on your preference for retiring earlier than age 65, consider reducing your projected spending needs during
retirement, and how you can accomplish that. This, combined with the additional RRSP savings shown in the
Activity report below, will provide a margin of comfort in meeting your early retirement goals.
Activities
The following section illustrates action items for 2012 and the following two years.
Activity for 2012
Savings
Asset Contributor Amount Comment
RRSP Account (Roger) Roger $3,000 Regular Savings Plan ($250/month)
RRSP Account (Joanne) Joanne $3,000 Regular Savings Plan ($250/month)
Retirement Fund (Roger/RRSP) Roger $1,756 Regular Savings Plan ($439/month)
Retirement Fund (Roger/TFSA) Roger $1,200 Regular Savings Plan ($300/month)
Retirement Fund (Joanne/RRSP) Joanne $2,880 Regular Savings Plan ($720/month)
Retirement Fund (Joanne/TFSA) Joanne $1,200 Regular Savings Plan ($300/month)
Total $13,036
Insurance
Policy Payer Premium Coverage
Life Insurance (Roger/Term 10 Life) Roger $900 Life Insurance $350,000
Life Insurance (Joanne/Term 10 Life) Joanne $960 Life Insurance $500,000
Group LTD (Joanne) Joanne $1,500 Disability Insurance $7,500
Total $3,360
Debt Reductions
Liability Contributor Amount Comment
Mortgage Joint $24,000 Regular Payments, Principal & Interest
($2,000/month)
Car Loans Joint $6,000 Regular Payments, Principal & Interest
($500/month)
Activity for 2013
Savings
Asset Contributor Amount Comment
RRSP Account (Roger) Roger $3,000 Regular Savings Plan ($250/month)
RRSP Account (Joanne) Joanne $3,000 Regular Savings Plan ($250/month)
Retirement Fund (Roger/RRSP) Roger $5,426 Regular Savings Plan ($452/month)
Retirement Fund (Roger/TFSA) Roger $3,708 Regular Savings Plan ($309/month)
Retirement Fund (Joanne/RRSP) Joanne $8,899 Regular Savings Plan ($742/month)
Retirement Fund (Joanne/TFSA) Joanne $3,708 Regular Savings Plan ($309/month)
Total $27,741
Insurance
Policy Payer Premium Coverage
Life Insurance (Roger/Term 10 Life) Roger $900 Life Insurance $350,000
Life Insurance (Joanne/Term 10 Life) Joanne $960 Life Insurance $500,000
Page 15 of 18

15. Policy Payer Premium Coverage
Group LTD (Joanne) Joanne $1,500 Disability Insurance $7,500
Total $3,360
Debt Reductions
Liability Contributor Amount Comment
Mortgage Joint $24,000 Regular Payments, Principal & Interest
($2,000/month)
Car Loans Joint $6,000 Regular Payments, Principal & Interest
($500/month)
Activity for 2014
Savings
Asset Contributor Amount Comment
RRSP Account (Roger) Roger $3,000 Regular Savings Plan ($250/month)
RRSP Account (Joanne) Joanne $3,000 Regular Savings Plan ($250/month)
Retirement Fund (Roger/RRSP) Roger $5,589 Regular Savings Plan ($466/month)
Retirement Fund (Roger/TFSA) Roger $3,819 Regular Savings Plan ($318/month)
Retirement Fund (Joanne/RRSP) Joanne $9,166 Regular Savings Plan ($764/month)
Retirement Fund (Joanne/TFSA) Joanne $3,819 Regular Savings Plan ($318/month)
Total $28,393
Insurance
Policy Payer Premium Coverage
Life Insurance (Roger/Term 10 Life) Roger $900 Life Insurance $350,000
Life Insurance (Joanne/Term 10 Life) Joanne $960 Life Insurance $500,000
Group LTD (Joanne) Joanne $1,500 Disability Insurance $7,500
Total $3,360
Debt Reductions
Liability Contributor Amount Comment
Mortgage Joint $24,000 Regular Payments, Principal & Interest
($2,000/month)
Car Loans Joint $2,511 Regular Payments, Principal & Interest
($500/month)
Other Transactions
1) End of liability (Car Loans) on Jul 27 2014
Page 16 of 18

16. Conclusion
Now that you have reviewed the Personal Financial Analysis report, where do you go from here? Our
recommendations are as follows:
1. Ask Questions – Please be sure to ask questions about areas that need clarification. It is important that the
information contained in this report is clear enough to help you make decisions to achieve your financial goals.
2. Validate your Objectives – After reviewing this report, are you still comfortable with your goals? Are you
able to implement all of your strategies to meet your objectives? Do you need to make any changes to goal
amounts, dates, investment options, etc.? We will work together to help you.
3. Analyze Alternatives – Where appropriate, we will help you analyze alternatives and help you decide what
option is best for you.
4. Implement the Plan – Together, we will implement the alternative that is consistent with your objectives and
your financial ability. We will work with you to help find suitable product options to implement the strategies
that we have agreed upon. This may also involve engaging other individuals.
5. Monitor the Plan – We will assist you in reviewing your plan periodically to make sure you stay on track to
meet your financial goals. We recommend you review your financial plan at least once a year, or when a major
change occurs in your life (e.g. job changes, retirement, new incomes or new expenses).
A final thought.
Remember to maintain a long-term focus with your plan. We cannot anticipate every change to your personal or
financial situation but we can help you to adjust your plan when necessary.
Roger Abbott Joanne Abbott
Date Date
Page 17 of 18

17. Disclaimer
Financial Information, Assumptions, and Limitations of Projections
The information you have provided has been used to prepare this report. Accordingly, the usefulness of this report
depends on the accuracy and completeness of this information. Please review this information and all assumptions
to ensure they are accurate and reasonable. Financial projections should be reviewed on a regular basis, at least
annually or on the occurrence of any major life event such as a change of relationship status or change in family
members. It is also important to note that small changes in assumptions, such as inflation or return rates, can have a
significant impact on the outcome of this plan.
The projections contained in this report are hypothetical in nature. Actual investment outcomes are the result of
numerous variables and external factors which cannot be predicted; therefore, assumptions may not reflect actual
investment return results, and are not guarantees of future results. The projections utilize return data that does not
include commissions, trailing commissions, management fees or expenses. If included, these charges could
materially reduce these projections.
The federal and provincial income tax laws are complex and subject to continuous change. Financial planning
projections have limited capability to model any individual’s tax liability, particularly future tax liability, as future
tax laws may be significantly different from current tax laws. This report should not be construed as providing
legal, accounting or tax advice.
Confidentiality
Investors Group is committed to keeping your personal information confidential. The information collected when
creating this report may be used by Investors Group and shared with its affiliates in order to be able to inform you
of investment opportunities, or to provide additional financial information to you from time to time and for other
internal purposes.
Other Important Information
Investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a
Financial Services firm) and Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors
Group Securities Inc. is a member of the Canadian Investor Protection Fund.
Insurance products and services distributed through I.G. Insurance Services Inc. (in Québec, a Financial Services
Firm). Insurance license sponsored by The Great-West Life Assurance Company (outside of Québec).
Page 18 of 18

18. MP1787 (09/2012)
Insurance Disclaimer